Top UK Car Insurance Providers However, while drivers of “reward” that some insurance companies for better environmental choice, others are put off by the fact that hybrid cars have a new technology that may be more difficult to repair, and more expensive to find parts for, therefore, to increase premiums to cover potential losses. So if you have a car that could be considered a little weird, you can find a better price with one of the monoline insurers.

Another example is the 4×4. Four-wheel drive cars have higher premiums than standard cars. This seems a bit strange, because 4×4 generally have strong security features that offer a good level of protection for their drivers and passengers. However, its solid construction means they can cause costly damage to other vehicles that might collide with.